V
Venture Payday Loans
Contact
BBB:
Part of the Texas Car Title and Payday Loan Services chain · locations
Texas Car Title and Payday Loan Services, Inc. in Arlington, TX
Arlington's Texas Car Title and Payday Loan Services, Inc. branch at 2222 S Bowen Rd provides payday and title loans weekdays 10AM-6PM and Saturdays 9AM-1PM.
Data compiled from public sources · Rating from CreditDoc methodology
Texas Car Title and Payday Loan Services, Inc. Review
Located at 2222 S Bowen Rd in south Arlington, TX, this Texas Car Title and Payday Loan Services, Inc. storefront operates Monday through Friday from 10 a.m. to 6 p.m., and Saturday 9 a.m. to 1 p.m. (closed Sundays). The standalone location is easily accessible for Arlington residents needing quick cash solutions.
This Arlington, TX location offers payday loans and title loans with quick application processes. Contact the store directly at 817-795-2100 to discuss loan amounts, repayment terms, and what documentation you'll need to bring. The staff can walk you through the approval process and answer questions specific to Arlington customers.
If you're an Arlington resident considering a payday or title loan, bring a valid photo ID, proof of income, and proof of residency to your appointment. The Bowen Rd location in Arlington serves the south side of the city and surrounding areas. Hours are flexible enough to accommodate working professionals in TX.
Services & Features
Car title loans up to $15,000
Frequently asked questions and loan FAQs support
In-store loan application and closing
Income verification for payday and installment loans
Installment loans with fixed monthly payments
Multi-area service coverage (Sunnyvale, Forney, Mesquite, Garland, Balch Springs)
No-credit-check lending evaluation
Online loan request form
Payday loans with same-day approval
Phone consultation with loan specialists
Same-day or next-day funding via electronic deposit
Vehicle appraisal and inspection services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day approval with funds available in as little as 30 minutes
- No credit check required for title and payday loans, accessible to those with bad credit
- Can borrow up to $15,000, higher than typical payday lenders
- Keep and drive your vehicle during repayment for title loans
- Physical storefront with in-person vehicle inspection and immediate decisions
- Multiple loan products (title, payday, installment) with flexible options
- Serves multiple surrounding areas (Forney, Mesquite, Garland, Balch Springs)
Cons
- Website does not disclose APR, fees, or repayment terms—critical information absent
- Title loans and payday loans are inherently high-cost products with significant long-term expense
- Requires vehicle inspection and lien-free title for title loans, limiting accessibility
- Physical location limited to Sunnyvale; requires in-person visit for final approval and funding
- Saturday hours limited to 9AM-1PM and no Sunday service may be inconvenient for working consumers
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Texas Car Title and Payday Loan Services, Inc. legitimate?
Yes. Texas Car Title and Payday Loan Services, Inc. is a registered company, headquartered in 2222 S Bowen Rd, Arlington, TX 76013.
Quick Facts
- Headquarters
- 2222 S Bowen Rd, Arlington, TX 76013
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Texas Car Title and Payday Loan Services, Inc.
Texas Car Title and Payday Loan Services is best for consumers with bad credit or limited income who face genuine emergencies and have no access to traditional bank loans or alternative lenders. The critical caveat is that payday and title loans are high-cost debt products—the website omits APR and fee disclosures, and consumers should carefully review the full loan agreement before committing, as repayment costs can be substantial.
Best For
- Consumers facing genuine emergencies (medical bills, urgent repairs) with no other funding sources
- Vehicle owners with bad or no credit history needing quick access to capital
- People who can repay within 2-4 weeks and understand the high cost of short-term borrowing
- Local Dallas-Fort Worth residents who prefer in-person service and immediate funding
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Texas Car Title and Payday Loan Services, Inc. and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.